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ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN REC (Studi pada PT. Bank Mandiri Persero, Tbk Periode 2011-2013) Muhammad Fadly
Jurnal Administrasi Bisnis Vol 28, No 2 (2015): NOVEMBER
Publisher : Fakultas Ilmu Administrasi Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.876 KB)

Abstract

The purpose of this research is to know the application of REC analysis at Bank Mandiri and to know health rate of Bank Mandiri by using REC approach during 2011-2013. This research is a descriptive research with a quantitative approach. Research is done at Bank Mandiri, Tbk. The result of REC analysis at Bank Mandiri, Tbk shows that based on the analysis of (NPL) year 2012, credit risk was the lowest than year 2011 and 2013. Market Risk of Bank Mandiri, Tbk measured by (IRR) formula were increased every year, it means the income of the bank was always highest. Based on the calculation of Liquidity Risk using (LDR), (LAR), and (CR), known that LDR of the bank  categorized is good enough, the result of LAR are larger than CR, besides the score earned by CR is small, so that the liquidity level of Bank Mandiri was low. Profitability factors measured by (ROA) and (NIM) during 2011-2013 shows an upward trend, it means that profit rise is signify followed by increased asset of Bank Mandiri. Capital factors that measured by (CAR) during 2011-2013 are classified in rank one, because it has top value at the provisions of Bank Indonesia (above 8 %). Keyword: Bank’s Health Rate, REC Approach. ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan analisis REC pada Bank Mandiri dan untuk mengetahui perbandingan bagaimana tingkat kesehatan Bank Mandiri dengan menggunakan pendekatan REC selama tahun 2011-2013. Jenis penelitian ini adalah penelitian deskriptif dengan pendekatan kuantitatif. Penelitian ini dilakukan pada PT Bank Mandiri, Tbk. Hasil dari analisis REC pada Bank Mandiri ini menunjukkan bahwa berdasarkan analisis rumus NPL tahun 2012 memiliki tingkat risiko kredit paling rendah dibandingakan pada saat tahun 2011 dan 2013. Risiko pasar Bank Mandiri dengan rumus IRR mengalami kenaikan tiap tahunnya, hal ini menunjukkan pendapatan yang diperoleh semakin tinggi. Berdasarkan perhitungan risiko likuiditas  (LDR, LAR, CR) diketahui LDR Bank Mandiri dalam kategori cukup baik, pada rasio LAR hasil yang diperoleh besar dan pada CR nilai yang diperoleh adalah kecil maka dikatakan tingkat likuiditas Bank Mandiri adalah rendah. Faktor Rentabilitas yang menggunakan penilaiannya terdiri dari ROA dan NIM dari tahun 2011-2013 mengalami kenaikan dan ini menandakan bertambahnya jumlah laba Bank Mandiri yang diikuti dengan bertambahnya aset oleh Bank Mandiri. Faktor Capital menggunakan pengukuran CAR pada tahun 2011-2013 tergolong pada peringkat satu karena CAR memiliki nilai diatas ketentuan Bank Indonesia yaitu diatas 8%. Kata Kunci: Tingkat Kesehatan Bank, Pendekatan REC.
Sintesis Karbon Aktif dari Kulit Pisang untuk Pemurnian Air Tambang Emas di Sungai Batang Palangki Kabupaten Sijunjung dari Logam Berat rahmah khairati maiza; Melanz Hasan; Muhammad Fadly; A Astuti
Jurnal Fisika dan Aplikasinya Vol 15, No 1 (2019)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, LPPM-ITS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1840.786 KB) | DOI: 10.12962/j24604682.v15i1.3815

Abstract

The purification of waste water from the gold mine from heavy metals in Batang Palangki, Sijunjung Regency has been carried out. Prior to the purification of this wastewater, water samples were first measured by heavy metal content using Inductively Coupled Plasma (ICP) and found 24 heavy metal elements of which 8 of them were above the standard threshold of water quality standards. Purification of water using adsorption technique with adsorbent activated carbon from banana kepok skin. This study used activated carbon with concentration concentration of 20%, 25%, 30%, and 35% H2SO4 activator. Activated carbons were added to the measuring cup containing 100 ml of gold mine waste water, stirred to homogeneous and allowed to settle to the bottom of the measuring cup, then filtered water using filter paper, measured pH, heavy metal content and electrical conductivity values. Based on the research results, activated carbon with the most optimal absorption is at concentration of 35% with the average pore size of activated carbon of 24.6 um. This data was obtained from the Inductively Coupled Plasma (ICP) tool by comparing the heavy metal content of wastewater before and after the activated carbon treatment. The purified water is in accordance with Minister of Health Regulation no. 416 / MENKES / PER / IX / 1990 on water quality requirements and Government Regulation no. 82 of 2001 on the Management of Water Quality and Control of Water Pollution.
Studi Kasus: Asuhan Keperawatan Pada Klien Isolasi Sosial Pasca Pasung Muhammad Fadly; Giur Hargiana
Faletehan Health Journal Vol 5 No 2 (2018): Faletehan Health Journal, Juli 2018
Publisher : Universitas Faletehan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (169.474 KB) | DOI: 10.33746/fhj.v5i2.14

Abstract

Social isolation is characterized by decline or loss inability to interact with others. This paper aimed to analyze the nursing care of social isolation on Mr. P with schizophrenia paranoid. The nursing care process is based on the standard of generalist nursing care which provided for six days from May 7th throughout 12th 2018 on Mr. P aged 32 years male. Main nursing problem was social isolation. Nursing intervention was emphasized on client’s ability to establish mutual relationship and improve client’s communication skills gradually. Nursing interventions affected client positively as manifested gy decreased signs and symptoms of social isolation on the cognitive, affective, physiological and social aspects, but there had not been a decline in behavioral aspects. Client’s barriers in establishing relationship with nurses were internal factors in which clients had negative judgments about themselves, others and the environment and external factors where clients considered the nurse as a threatening stressor. Nursing care follow-up plans are expected to be maximized for individually, family, group and community.
PERANCANGAN SISTEM PEMINJAMAN ALAT BENGKEL OTOMOTIF BERBASIS DIAGRAM USE CASE DAN AKTIVITAS UNTUK MENINGKATKAN EFISIENSI DAN TRANSPARANSI OPERASIONAL Muhammad Fadly; Ovan Sunarto Pulu
Jurnal Ilmiah Teknik Vol. 4 No. 1 (2025): Januari : Jurnal Ilmiah Teknik
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/juit.v4i1.1826

Abstract

Efficient tool management in automotive workshops is often hindered by manual systems prone to errors, delays, and a lack of transparency. This study aims to design a digital tool borrowing system using use case and activity diagrams to enhance efficiency and accountability. The use case diagram maps the roles of borrowers, administrators, and technicians, while the activity diagram illustrates the detailed workflow, from tool availability checks to returns and damage reporting. The design results show that the system provides key features, such as automated tool availability checks, digital approvals, transaction recording, and damage reporting. The implementation of this system reduces borrowing process time, enhances transparency in tool management, and ensures tools are maintained in good condition. The proposed system not only improves the operational efficiency of workshops but also offers a better user experience. With potential integration of technologies such as the Internet of Things (IoT) and blockchain, the system can be further developed to enable real-time tool tracking and enhance data security.
Analysis of the Influence of Capital and Production Cost’s on MSME Income Ezra Aufa Razqa; Doni Andrian; Muhammad Fadly; Sanusi Ghazali
International Journal of Economics and Management Sciences Vol. 2 No. 1 (2025): International Journal of Economics and Management Sciences
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijems.v2i1.480

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This research uses a descriptive qualitative approach to understand the relationship between capital, production costs, and income of MSMEs based on the experience and perspective of an entrepreneur. The subjects of this research are the owners or managers of MSMEs engaged in various sectors, such as food, crafts, and trade. The data collection techniques in this research used interviews, observation, and documentation techniques. This research data analysis technique uses data reduction, data presentation and conclusion drawing. This research shows that capital management and production cost efficiency play an important role in determining the income of MSMEs, adequate capital support allows entrepreneurs to increase their production capacity and quality, while efficient production cost management ensures the sustainability of a business. External factors, such as accessing and utilizing technology, are also something that can drive the success of MSMEs.
Mural Sebagai Pendukung Perkembangan Kreativitas Anak di Taman Kanak - Kanak Pertiwi Desa Piruko Timur, Nagari Sitiung Muhammad Hafrison; Vi Zhilalil Qur’ani; Hasnatul Fadhilah; Muhammad Fadly; Hasrul Hazani; Haikal Julianda Putra
Jurnal Nakula : Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial Vol. 3 No. 5 (2025): September : Jurnal Nakula : Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nakula.v3i5.2206

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Creativity is an important aspect of children's development, especially during their golden age of growth. Pertiwi Kindergarten (TK) in East Piruko Village, Nagari Sitiung is one of the agents that contributes to the formation of children's creativity through various approaches, one of which is with mural media. The purpose of this study is to analyze the role of murals in supporting the development of early childhood creativity and its impact on the learning environment. The study uses a qualitative method with a descriptive approach that includes observations, interviews with teachers and parents, and documentation of the mural manufacturing process. The results of the study show that murals are not only a sweetener for the school environment, but also an effective learning medium. It provides visual stimuli that enhance children's imagination and creativity, increase the active participation of teachers, parents and the community, and create a sense of belonging to the school environment. The challenges in implementing murals are budget and deadlines, but these can be overcome through collaboration with the community. Overall, murals at Pertiwi Kindergarten serve as creative learning tools that increase children's motivation and participation in the learning process. This study recommends the use of murals as one of the innovative ways of early childhood education.
PERSEPSI MAHASISWA TERHADAP AKUN INSTAGRAM @INFOUNP SEBAGAI MEDIA INFORMASI AKADEMIK Muhammad Fadly; Desriyeni
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 03 (2025): Volume 10 No. 03 September 2025 In Press
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i03.31521

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This study aims to describe the perceptions of students of the Department ofInformation and Library Science, Padang State University, towards the Instagramaccount @infounp as an academic information medium. This study uses aquantitative approach with a descriptive method. The data collection techniquewas carried out by distributing online questionnaires to 78 active students who arefollowers of the @infounp account, with the sample determined using the Slovinformula. The research instrument was compiled based on five indicators of theUses and Gratifications theory, namely: information needs, timeliness, clarity ofinformation, ease of access, and user satisfaction. The results showed thatstudents perceptions of the @infounp Instagram account were generally in thevery good category with an achievement score of 82.0%. From the analysis, thefindings of the average score for each indicator were as follows: information needs(4.08), timeliness (3.97), clarity of information (4.17), ease of access (4.08), anduser satisfaction (4.08). These findings indicate that the @infounp account hasplayed an effective role in conveying academic information to students, althoughthere are still notes regarding the clarity and interactivity in delivering its content.
EVALUASI PENERAPAN SANITASI DI TERMINAL ALAM BARAJO, KOTA JAMBI Elma Mutmainnah; Zuli Rodhiyah; Putri Ayu Ramadhani; Muhammad Fadly
Lingkar: Journal of Environmental Engineering Vol. 4 No. 1 (2023): LINGKAR : Journal of Environmental Engineering
Publisher : Department of Environmental Engineering (Prodi Teknik Lingkungan), Fakultas Sains dan Teknologi, UIN Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ljee.v4i1.2807

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Terminal Alam Barajo is a one of the public places used to manage arrivals and departures, raise and drop off people and/or goods, as well as transfer modes of transportation. Access to the Terminal Alam Barajo is quite easy because it is located in Jambi City. Terminal Alam Barajo location requires management support and sanitation facilities that support the creation of healthy station. This research was conducted to assess the application of sanitation at the Terminal Alam Barajo, Jambi City. This research was conducted using a combination of qualitative methods in the form of observation and interviews. The sanitation assessment is carried out using an environmental health inspection assessment. While sanitation information obtained from in-depth interviews with chief cleaning officer terminal Alam Barajo. The sanitation assessment of the Terminal Alam Barajo obtained a score 88% of environmental component, 73% of Sanitation Facilities component, 75% of other components. Sanitation at the Terminal Alam Barajo is deemed healthy because the overall score of the variables is above 79% but still needs further improvement in sanitation.
Eksperimen Sederhana untuk Meningkatkan Pemahaman Konsep Sains Siswa Kelas Tinggi (Studi Kasus di Sekolah Dasar Negeri 064010 Medan) Muhammad Fadly
Jurnal Penelitian, Pengembangan Pembelajaran dan Teknologi (JP3T) Vol. 3 No. 2 (2025): Juni
Publisher : Perkumpulan Cendekia Muda Kreatif Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61116/jp3t.v3i2.578

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas penggunaan metode eksperimen sederhana dalam meningkatkan pemahaman konsep sains pada siswa kelas tinggi (kelas 4-6) di SDN 064010 Medan. Pembelajaran sains di tingkat sekolah dasar seringkali dianggap sulit karena konsepnya yang abstrak. Metode eksperimen sederhana dinilai mampu membuat pembelajaran lebih konkret dan menarik. Penelitian ini menggunakan pendekatan kualitatif dengan studi kasus, melibatkan 3 guru sains dan 15 siswa dari kelas 4, 5, dan 6. Data dikumpulkan melalui wawancara mendalam, observasi di kelas, dan analisis dokumen. Hasil penelitian menunjukkan bahwa metode eksperimen sederhana berperan signifikan dalam meningkatkan pemahaman siswa, menumbuhkan rasa ingin tahu, dan melatih keterampilan berpikir kritis. Siswa menjadi lebih aktif dan antusias dalam belajar saat mereka dapat melihat dan membuktikan sendiri konsep-konsep sains. Namun, ditemukan pula tantangan seperti keterbatasan alat dan bahan, waktu yang tidak mencukupi, dan kurangnya pelatihan bagi guru. Temuan ini menegaskan bahwa metode eksperimen adalah strategi yang powerful untuk pembelajaran sains yang efektif di sekolah dasar.
PERANCANGAN SISTEM INFORMASI PEMESANAN TIKET TRAVEL BERBASIS WEB DI PT YOSSY MANDIRI Mulyana, Wide; Izaky Arif Rahman; Meli Aulia; Muhammad Fadly; Nabil Andra Putra; Sintia Hadisty
Jurnal Rekayasa Perangkat Lunak dan Sistem Informasi Vol. 5 No. 2 (2025)
Publisher : Department of Information System Muhammadiyah University of Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/seis.v5i2.9894

Abstract

This research aims to design a web-based ticket booking information system that can enhance the efficiency and quality of services at PT. Yossy Mandiri. This system is designed to facilitate customers in making ticket reservations online and assist the admin in managing booking data, departure schedules, and customer information. The system development method used is the waterfall method, which includes requirements analysis, system design, implementation, testing, and maintenance. The result of this research is a web-based travel ticket booking information system that can improve efficiency and service quality at PT. Yossy Mandiri. This system is expected to be a solution for the company in enhancing customer service and optimizing internal business processes.